Buy vs. build

What does building tokenized lending infrastructure really cost?

Set your numbers below. We'll compare a realistic 3-year total cost of building a compliant tokenized origination-and-servicing platform in-house against running on Settlemark. Every assumption is editable — these are estimates, not a quote.

Your operation

Build-it-yourself assumptions
Settlemark pricing assumptions

Subscription is tiered by AUM ($4K/mo under $25M · $6K/mo $25–75M · $8K/mo over $75M).

3-year total cost of ownership
Settlemark saves $0
and gets you live sooner.
Build in-house$0
 
Run on Settlemark$0
 
Live in weeks vs ~15 months

Build — 3 yr

Initial build$0
Maintenance eng (3 yr)$0
SOC 2 (3 yr)$0
Legal (one-time)$0
Infra & vendors (3 yr)$0
Total$0

Settlemark — 3 yr

Subscription (3 yr)$0
Per-loan fees (3 yr)$0
Investor onboarding$0
AUM fee (3 yr)$0
Total$0

Estimates for illustration, not a quote or financial advice. Build assumptions reflect typical ranges for a compliant tokenized origination-and-servicing platform (engineering, SOC 2, legal, infrastructure). Settlemark figures use the published pricing model; final pricing is set on a demo call. Time-to-live for a build varies widely; "live in weeks" on Settlemark is gated primarily by institutional custody onboarding and per-tenant vendor live-enablement, of which credit-bureau credentialing is typically the longest pole at ~4–8 weeks per customer (or near-instant if the originator brings existing bureau access).

SETTLEMARK  ·  Capital, settled.
Book a demo →